Stop Asking "Where Did the Money Go?".
Save on Payday, Spend Daily with Peace of Mind.
Masrafo is a personal finance app that calculates your daily Safe-to-Spend allowance after securing savings on payday, helping you eliminate credit card debt anxiety without requiring bank passwords.
Save upfront on payday rather than hoping for leftovers at month-end; divide what remains into daily allowance and break the 'Why can't I save money?' cycle forever. No 40 categories, no complex spreadsheets, no bank credentials. Manage your budget easily with a single daily allowance.
Secured upfront on payday
5,000+ active user ratings
With built-in 4x4 keypad math
Exclusive to your device
Budgeting is Not Self-Punishment.
While legacy tools trap you in 40 categories and scold you with red alarms, Masrafo gives you daily peace of mind with a single allowance.
| Criteria & Philosophy | Spreadsheets (Excel) | Legacy Apps (YNAB) | Masrafo: Money Budget |
|---|---|---|---|
| Fiscal Cycle Start Date | Rigid (1st of month) | Rigid (Calendar month) | Dynamic (Real Payday Sync) |
| Daily Spending Clarity | None (Formula chaos) | 40 Fragmented Categories | Single Metric: Safe-to-Spend |
| Savings Framework | Whatever is left over | Manual Envelope Allocation | Pay Yourself First (Locked) |
| Overspending Reaction | Silent Failure | Red Alarms & Spending Guilt | Dynamic Rebalance Over Remaining Days |
| Credit Card Management | Static Debt Balance | Complex Debt Virtual Budgets | 40-Day Interest-Free Window |
| Cash Buffer Protection | Not Calculated | None (Anti-Debt Focus) | Cash Shield & Extended Grace (+$45/mo) |
| Logging Speed | 1-2 Hours / Week Manual Entry | 30-45s per Transaction | 1.8s (Arithmetic Keypad) |
| Data Privacy & Credentials | Local but unprotected | Third-Party Bank Scraping | Zero Passwords, 100% Private Vault |
How Much Can You Spend Today With Confidence?
Enter your income, fixed commitments, and savings target; see how Masrafo's Safe-to-Spend engine calculates your daily allowance.
Equally distributed over remaining days after securing your commitments and savings target.
Log Expenses in 1.8 Seconds
Stop fumbling with categories. Record transactions instantly with an integrated arithmetic calculator and smart quick tags.
Avoid Debt Spirals and Protect Your Cash Runway
Let Masrafo track your card statement cutoff dates. Direct spending to the freshest billing cycle to defer payment up to 40 days interest-free while your cash stays secure in your bank.
40-Day Zero-Interest Grace Window
Spend 1 day after card statement closes.
Masrafo tracks your card cut-off dates and automatically recommends the card with the longest grace window.
Cash Shield & Buffer
Your cash never leaves your account early; your savings cushion stays intact.
Because cash stays in your account until the due date, your emergency savings and cash buffer remain protected.
Minimum Payment Trap Warning
Enjoy ~38-40 days of zero-interest grace.
Calculates the real penalty cost of paying only minimums, keeping you far away from toxic card debt spirals.
6 Practical Tools That Simplify Your Budget
Zero category clutter, clear daily spending comfort, and fast execution in a private app.
Payday-Synced Budgeting
Anchor your budget cycle directly to the day your salary arrives.
If salary arrives on the 15th, your budget runs from 15th to 15th, eliminating artificial calendar drift.
Today's Safe-to-Spend Allowance
Know your exact daily spending ceiling at a glance.
One clear number updated every morning: how much you can spend today guilt-free without tracking 40 categories.
Built-in Arithmetic Keypad
Split bills and evaluate math on a single screen.
No manual forms. Type 120 + 45 * 2, tap a quick tag, and log transactions in under 1.8 seconds.
Upcoming Debt Payoff Schedule
See exactly how much cash flow frees up as loan installments end.
Forecasts the precise monthly liquidity released: "In June, your laptop installment ends, freeing up +$120/mo."
AI Budget Coach & Simulator
Test "What-If" decisions before making a major purchase.
Simulate big-ticket items with a single tap before committing cash, seeing the instant impact on your daily budget.
Zero Bank Passwords, Private Vault
Zero banking credentials, deterministic private storage.
Banking passwords are never requested. All budget data is protected inside your private, isolated account vault.
Clear Boundaries, Zero Month-End Guesswork
Instead of micro-managing dozens of spending categories, you secure savings on payday and follow a single daily spending limit.
Traditional Budgeting
Uncertainty & Cognitive Overhead- •Constant month-end panic: "Where did all my income go?"
- •Lingering uncertainty whenever dining out or treating yourself.
- •Struggling to track multiple card billing cycles and paying avoidable interest fees.
- •Starting complicated spreadsheets only to abandon them within two weeks.
Budgeting with Masrafo
Predictable Daily Limits & Cash Optimization- ✓Savings locked upfront on payday; daily Safe-to-Spend runway is clearly defined.
- ✓40-day interest-free grace window automated, keeping your liquid savings intact in your account.
- ✓Clear visibility into future cash flow as installments and recurring debts expire.
- ✓1.8-second rapid logging with zero spending guilt and zero red alarms.
"My salary arrives on the 15th, but traditional apps always reset on the 1st, showing artificial budget deficits. Masrafo anchored my cycle to payday and eliminated month-end panic."
Merve Kaya
High School Teacher
"I used to abandon spreadsheets because logging every coffee into 40 categories was exhausting. Now I just check one simple daily allowance number every morning."
Emre Demir
Barista & College Student
"With fluctuating freelance income, debt was stressful. Masrafo automated my card statement cycles so my liquid cash earns returns while I wait to pay. Total game changer."
Canan Şahin
Freelance Product Designer
Your Money is Private.
Your Identity is Never Disclosed.
Masrafo never asks for your bank passwords or card numbers. All financial logs are securely encrypted and protected inside your private, isolated account vault.
Masrafo supports hardware biometric verification (Face ID / Fingerprint) and masks balances with a single tap in public spaces.
Zero Bank Passwords & Zero IP Logging
Masrafo never requests your banking credentials, account numbers, or card CVV. IP addresses are never logged or stored.
Private Vault & Complete Isolation
All financial logs are encrypted and tied strictly to your user account, protected by database-level Row Level Security (RLS) from third-party access.
Personal Data Confidentiality
Your personal identity is never sold or shared with advertisers. Your financial records belong strictly to you.
Data Portability & Full Export (JSON/CSV)
Export your entire transaction archive and budget logs anytime with a single tap in standard JSON or CSV formats.
Save Up to an Entire Extra Month of Income a Year
Masrafo Pro expands your savings with upfront discipline, installment completion tracking, and smart cash protection.
Masrafo Free
Perfect for building budget habits and tracking your daily allowance on a single screen.
- Unlimited expense and income tracking
- 1.8s rapid arithmetic keypad entry
- Today's Safe-to-Spend daily allowance
- Single credit card statement tracking
- 100% on-device private encrypted storage
Masrafo Pro
14-Day Free TrialFor anyone wanting upfront savings discipline, smart card protection, and effortless budgeting.
Billed $3/yr annually
- Everything in Free included
- Unlimited cards & 40-day interest-free grace window
- Cash shield & buffer protection simulator
- Upcoming Debt Payoff & Relief Schedule
- 50/30/20 visual budget breakdown
- Advanced AI Budget Coach & Simulator
- Priority customer assistance
Masrafo Lifetime
LifetimeHate monthly subscriptions? Get lifetime access with a single upfront payment.
Billed $59/yr annually
- All Masrafo Pro features included
- All future updates and features forever
- Zero recurring fees or renewal anxiety
- Early access to beta releases
- Founding member profile badge
Frequently Asked Questions
Everything you need to know about Masrafo's security, privacy, and algorithms.